Automated investment services promise to make investing easy, inexpensive, and even fun. Called Robo-Advisors, these companies can take the pain and uncertainty out of investing by constructing a diversified portfolio, investing in low cost ETFs, rebalancing portfolios, reinvesting dividends, and even harvesting tax losses. And, there is no minimum deposit to open an account. You can deposit as little as $10 and watch your $10 spread across hundreds of companies in 9 asset classes.

Robo-Advisors offer fully automated investment services that handle virtually every aspect of investing. Once money is transferred to a new account and a stock/bond allocation chosen by the investor, the service handles everything else from portfolio rebalancing to dividendreinvestment to even tax loss harvesting. Robo-Advisors provide easy to use tools to help even the most novice of investors make the stock/bond allocation decision. Just select how much you want invested in stock ETFs and how much in bond ETFs. Once made, the Robo-Advisors allocate the investments across several low cost ETFs. The asset allocation usually favors value ETFs and do not include Commodity ETFs due to the high risk nature of this type investment. In addition, taxable accounts can take advantage of automated tax loss harvesting tools. This is all good news for investors. Robo-Advisors are bringing down costs and introducing some incredible tools that will change the investing landscape in profound ways.

Building on decades of Nobel-prize winning research, WiseBanyan aims to achieve the best investor returns possible. The portfolio is maximally diversified, and comprises low-cost, liquid,
index-tracking, exchange-traded funds, or ETFs. Tax-efficient algorithms are used to automate optimal behavior to maximize your ability to grow your money. When you deposit money with WiseBanyan, every dollar is seamlessly invested in up to 9 different asset classes, optimized for your selected asset allocation. Stock and bond ETFs are optimally weighted to provide a progressively increasing amount of risk and potential return. Lower risk portfolios have more short-term government-backed bonds and less volatile stocks. As you move up the
allocation spectrum, bonds and stocks with higher risk are introduced but with higher potential returns.

WiseBanyan is a registered investment and securities advisor managing over $150,000,000 dollars for approximately 32,000 clients in all 50 states. All securities in each customer account is protected up to $500,000 dollars by the SIPC.

WiseBanyan now helps clients achieve specific financial targets within a timeframe through Milestones, their completely free financial planning service. Clients simply state what they want to achieve, and WiseBanyan guides them every step of the way, from recommending a plan, to recurring deposits, to rebalancing. Clients can choose a Retirement or Rainy Day milestone, or can create a Custom milestone of their own. They also have the option of a Build Wealth milestone, which lets them invest without a specific financial target or end date in mind. This free financial planning service will help you figure out what to do with the money you already have, or will have when you start to see the results of your investments.